本文以新疆中小银行的代表乌鲁木齐市商业银行为例,指出新疆中小银行的信贷业务存在的问题:信贷业务结构不合理、关联业务风险明显、垫款现象较为严重、信贷产品同质化等。分析了产生问题的原因,有针对性的提出信贷业务良性发展的建议:政府保持适度干预;建立科学的信贷及相关管理体制;调整信贷结构;慎重对待关联业务;实行信贷产品的差异化。 This paper, taking Xinjiang Urumqi Commercial Bank as an example, points out the problems existing in the credit business of small and medium banks in Xinjiang: the structure of credit business is irrational, the risks of related business are obvious, the advance of payment is more serious and the credit products are homogenized. Analyzed the causes of the problems, proposed the benign development of the credit business pertinently: the government should maintain the moderate intervention; establish the scientific credit and related management system; adjust the credit structure; treat the related business prudently; implement the differentiation of credit products.